CAJ | 학술논문

随着金融创新的不断深化，商业银行产品中涉及保证金的业务越来越多。保证金成为商业银行降低相关业务风险的重要手段，也成为广大公司及个人客户获取相应金融服务的重要要件。但由于目前法律法规对保证金性质的规定不明确，实践中对于保证金的法律定性存在不同认识，导致保证金被查封、冻结甚至扣划的现象时有发生，保证金的安全性和业务保障能力被打折扣。本文从法律视角研究保证金所面临的主要法律风险，并提出了多种化解风险的措施。
수착금융창신적불단심화，상업은행산품중섭급보증금적업무월래월다。보증금성위상업은행강저상관업무풍험적중요수단，야성위엄대공사급개인객호획취상응금융복무적중요요건。단유우목전법율법규대보증금성질적규정불명학，실천중대우보증금적법률정성존재불동인식，도치보증금피사봉、동결심지구화적현상시유발생，보증금적안전성화업무보장능력피타절구。본문종법률시각연구보증금소면림적주요법률풍험，병제출료다충화해풍험적조시。
With the development of financial innovation, the risk of commercial bank products and service referring to de- posit are increasing. Deposit becomes the important method of reducing the risk of banking; meanwhile it becomes the impor- tant condition to get the relevant financial service for the corporate and individual clients. However the legal provisions of de- posit are not clear as well the different understanding of deposit in practice, the deposit is usually sealed up, frozen or deducted. For that reason, the safety and guarantee of deposit is rebated. This essay is analyzed by categories from the legal approach with researching on the legal risks of deposit and putting forward several methods of defusing these risks.